Bank Branches Research Articles

Essential Factors and How they Affect Demographic Variables in the Corporate Environment to Maintain Work-Life Balance

Work-life balance (WLB) remains a significant concern for industries, with research highlighting the consequences of imbalance between work and family life. In today's competitive global landscape, companies supporting WLB practices gain a competitive edge. This study aims to explore the impact of demographic variables on WLB factors in Haryana, India. A sample of 300 employees from various private and public banking and insurance branches was analyzed using one-way ANOVA. The study finds that technological advancements have facilitated the implementation of WLB practices, blurring the boundaries between work and personal life. However, despite family-friendly policies, many employees still perceive negative consequences. Normative attitudes and values continue to influence gender roles, affecting women's career prospects. Supervisors' awareness of WLB practices varies, influencing their ability to support employees. Organizations are increasingly focused on fostering a supportive workplace culture to accommodate employees' expectations regarding both family and professional life

Financial inclusion, economic development, and inequality: Evidence from Brazil

We study a financial inclusion policy targeting Brazilian cities with low bank branch coverage using data on the universe of employees from 2000–2014. The policy leads to bank entry and to similar increases in both deposits and lending. It also fosters entrepreneurship, employment, and wage growth, especially for cities initially in banking deserts. These gains are not shared equally and instead increase with workers’ education, implying a substantial increase in wage inequality. The changes in inequality are concentrated in cities where the initial supply of skilled workers is low, indicating that talent scarcity can drive how financial development affects inequality.

Impact of mobile banking on small business lending after bank branch closures

We provide new evidence on the substitute role of mobile banking in small business lending after banks close branches. Compared to the matched bank-counties with similar economic conditions and bank financials, small business lending in the treatment counties decreases 0.064 million (equivalent to 18.8%) less after branch closings for banks with mobile apps than banks without mobile apps. The effect is more pronounced in high-income census tracts and for high-rated apps, suggesting that high-income customers and customers whose banks provide better mobile apps are less affected when banks close branches. We do not find a significant impact of having apps on small business lending when banks increase the number of branches. However, the effect of having mobile apps increases with closed branches' years of service. Our results imply that bank branches are still important in providing credit to the local communities. Mobile banking helps preserve the existing customer-bank relationship but cannot reduce information asymmetry.

E-BANKING, ITS GROWTH & FUTURE IN INDIA

Businesses make investments in e-business and the technology that supports it. Applications for e-business, like supply chain management and customer relationship management, boost innovative product and service offers, strong customer relationships, and transaction efficiency and scope economies. Companies find it challenging to turn these advantages into revenues or economic value, though. Many enterprises that have started online have failed to generate profits. According to a 2001 AMR Research Inc. survey, businesses would continue to spend more on e- business even in a recession. At best, though, these investments have yielded a mediocre return. Conventional Banking To conduct standard banking functions including cash withdrawals, fund transfers, and account inquiries, clients must physically visit the bank's branch. However, clients using e-banking can complete these transactions 24/7 from the comfort of their homes or workplaces using desktops or laptops and electronic media. We call this banking—anytime, anyplace. Consumers don't need to wait in line, deal with tellers, deal with constrained banking hours—all they need to do is visit the bank's website to examine their account details and do transactions as needed. The Banking System in India Scheduled and non-scheduled banks were distinguished under the Reserve Bank of India Act, 1934. The Second Schedule of the RBI Act, 1934 lists scheduled banks, which include state co-ops, regional rural banks, and commercial banks (both foreign and Indian). The banks not listed in this schedule are considered non-scheduled. Three types of banks comprise India's organized banking system: co-ops, regional rural banks, and commercial banks. The Reserve Bank of India, the nation's highest monetary and financial body, is in charge of managing the banking sector. Banks for commerce, which have been in place for many years encourage urban savings and make them available to trading and industrial organizations for working capital needs. Commercial banks were divided into public sector banks, sometimes known as nationalized banks, and private sector banks after 1969.

Can Bank Density Provide Insights on the Appropriation of Disaster Relief Funds? Evidence from the Paycheck Protection Program

In response to the COVID-19 pandemic, Congress in conjunction with the Small Business Administration (SBA) created the Paycheck Protection Program (PPP) to help small business owners retain employees. We improve on previous literature exploring the relationship between bank density and PPP loan dispersion by implementing precisely geocoded data to map loans to commuting zones. Revisiting results in Deming and Weiler (2023), we confirm the statistically significant relationship between bank density and PPP loans per small business. We consider three distinct periods of lending to analyze how changes in the PPP loan program rules might have impacted dispersion. The coefficient in the regression of loans per small business on bank density is largest in the final wave of lending, and in commuting zones with high loan densities. This suggests that having additional bank branches in the commuting zone may have helped facilitate rapid dispersion of relief funds to high demand areas during the program.

Improving household well‐being through entrepreneurship and inclusive finance in the context of the Next‐11 countries

AbstractScholarship brainstorming on household welfare enablers abounds in academic literature. Nonetheless, the perspective of entrepreneurship, particularly for the Next‐11 countries, is underreported. Likewise, prior literature failed to investigate the influence of categorical (gender‐specific) entrepreneurship on household welfare. Thus, this investigation covers this lacuna by examining the predictive effects of aggregate, male and female entrepreneurship and financial inclusiveness on household welfare. With panel series spanning 2004–2021, both the Westerlund and Banerjee & Carrion‐i‐Silvestre cointegration procedures confirmed long‐term convergence among the series. The estimates of the augmented mean group (AMG) and the cross‐sectional autoregressive distributed lag (CSARDL) techniques revealed that entrepreneurship enhances household well‐being. This outcome validates the self‐determination theory since entrepreneurial engagements enhance household welfare. By extension, policies targeting entrepreneurship empowerment are critical for economic prosperity in these countries. In terms of gender variations, it is established that female entrepreneurship, much more than male, enhances household well‐being significantly. Furthermore, although automated teller machine availability promotes subjective well‐being, the number of commercial bank branches enhances only objective well‐being. Meanwhile, commercial bank loans failed to enhance both aspects of welfare at all times. Hence, we have provided relevant policy options that would ensure the maximization of households’ well‐being in these countries and other emerging economies.

Where the money is: branch network structure and bank profitability in Switzerland

This paper investigates the impact of the geographic concentration of branch networks on bank profitability in Switzerland. Leveraging Switzerland's distinctive federalist fiscal structure, where communes set their own income tax rates, we also explore whether the tax burden of branch locations moderates this relationship. Using a hand-collected dataset of branch networks of commercial banks, we find that geographic branch network concentration positively affects bank profitability but only when banks concentrate their branches in low-tax communes. This suggests that the proximity to wealthy clients, who are more likely to reside in low-tax areas, enhances bank profitability.

An Analysis of Indian Overseas Bank's Case Study on the Conceptual Framework of Lending Technologies for Financing Small and Medium-sized Businesses

This to examine the Indian Overseas Bank’s credit facilities MSMEs with various financing options available and also examine the constraints in credit facilities. The sample respondents was 90, which comprised of seventy-one manufacturing enterprises and nineteen service enterprise respondents. Statistical tools such as Percentage analysis, Chi-square Test, factor analysis was used to analyse the data. The study revealed that, among manufacturing enterprise and service enterprise respondents, majority (67.60 per cent and 57.89 per cent) were small entrepreneurs. in middle age group (37.78 per cent). About 40 per cent were graduates and 78.89 per cent were sole proprietors. There was a significant association between type of business and age group, form of organization and business experience. 98 per cent of respondents were aware about term loan of which 65.90 per cent availed loan. 91 per cent of the respondents were aware of working capital finance of which 70.73 per cent availed loan. Bank officers (67.77 per cent) were main source of information. The source of finance (64.44 per cent) was IOB loan. They were willing to avail loan amount of Rs. 1-10 lakhs for two years. Maximum respondents repaid 25-50 per cent of loan. Difficulties faced by the customers in availing credit facilities were grouped under seven factors. Top five ranks were given to the statements such as; network of bank branches is not good, no wide range of services, non-availability of timely rehabilitation finance, lack of dissemination of information and lack of MSME loan processing centres at key locations. Majority of the respondents suggested for specialized branches of MSMEs (40 per cent).

A systematic evaluation of links among corporate structure, knowledge management, and financial effectiveness in Vietnam’s banking sector

There have been a few studies that have examined the moderating importance of corporate structures in the model. Consequently, the key aim of the current research is to investigate the influences of corporate structures on financial effectiveness in banking and knowledge management, where it attempts to evaluate the moderating role of corporate structures on the relationship between knowledge management and financial effectiveness in banking. The current study is based on the population of banks and banking branches in Vietnam. It employs a survey research design and targets 500 banking institutions in Vietnam. However, only 328 appropriate institutions offered sufficiently required information for analyses. The procedures of multiple regressions are applied to statistically investigate causal associations, while the methods of hierarchical regressions were utilized to examine the moderation of corporate structure in the linkages. The research results indicate statistically significant influences of knowledge management and corporate structures on financial effectiveness in banking. More importantly, this study finds that the way corporate structures affect the relationship between knowledge management and how well banks do financially is statistically significant. The empirical findings help administrators make suitable corporate structures that better match the adoption of knowledge management in banking so that they can enjoy enhanced financial effectiveness in banking. This study adds to the literature by evaluating the moderating role of corporate structures in the association between management of knowledge and financial effectiveness in banking. These distinctions improve the field, setting it apart from other research projects.

Relationship between banking infrastructure, innovation and economic growth in Kazakhstan

Today, the development of financial technologies and their application in the banking sector have changed the processes of economic growth in general and commercial banks in particular, giving them an innovative orientation. The aim of this study is to investigate the relationship between the banking infrastructure, innovation, and economic growth in Kazakhstan based on panel data. The study relies on information extracted from annual publications issued by the National Bank of Kazakhstan, the World Bank Database, and the Bureau of the National Statistics of Kazakhstan from 2004 to 2022, and also uses a regression model. Within this framework, variables used in the study, the number of ATMs, the number of bank branches, and the share of innovative products, are explanatory variables, and the gross domestic product per capita is the dependent variable. The study showed that both business innovations and the prevalence of ATMs have a significant and noticeable impact on the economic landscape of Kazakhstan, as evidenced by the impressive value of the R-square of 0.890. Moreover, the regression model demonstrates reliable stability and reliability, which is confirmed by the p-value of 0.001. In light of these findings, it is important to contribute valuable insights and evidence-based recommendations to enhance Kazakhstan’s economic growth strategy by leveraging the synergistic potential of its banking infrastructure and innovation ecosystem. AcknowledgmentsThe study was funded by the Committee Science of the Ministry of Science and Higher Education of the Republic of Kazakhstan “Investigating the impact of macroeconomic, political, and digital processes on financial sustainability of Kazakhstan” No. AP19674948.

How do digital financial inclusion, ICT diffusion, and education affect energy security risk in top energy-consuming countries?

Energy security has become a crucial issue as the world economy depends more and more on energy supplies. In the context of the top energy-consuming nations, this research examines the connection between digital financial inclusion, information and communication technology (ICT), education, and energy security risk from 2011 to 2022. To that end, the study applies the two-stage least squares and system generalized method of moments estimation techniques. According to our study's findings, digital financial inclusion and associated factors, including automatic teller machines, bank branches, debit cards, and electronic payments, mitigate energy security risks. The energy security risks are also reduced due to ICT, education, gross domestic product, and renewable energy production. However, carbon emissions increase energy security risks. These findings suggest that policymakers in top energy-consuming economies should focus on the digital inclusiveness of the financial sector, ICT diffusion, and human capital to increase the opportunities for investment in the energy sector to mitigate energy security risks.

The impact of boundary spanning activities and resource orchestration in improving performance of Indonesian state-owned bank branches

State-owned enterprises have responsibilities to conduct head office’s strategies to make profits, to execute public programs and obligations, to maintain their viabilities, to serve customers, and to manage employees. Those prompt their branch managers not only to explore their environment but also to face a goal conflict situation. This study is to investigate the effects of branch managers’ boundary spanning activities and resource orchestration on the performance of branch offices in the dynamics of environmental uncertainty and goal conflict. This study employs structural equation modeling on one of the most prominent state-owned banks in Indonesia, with 201 branch offices as the unit of analysis, and 186 branch managers as respondents. The results of this study show that boundary spanning activities have a positive and significant relationship with resource orchestration. Meanwhile, both boundary spanning activities and resource orchestration are to influence the performance of branch offices. However, the influence varies widely, depending on environmental uncertainty and goal conflict experienced by branch managers. Furthermore, this study delves into an interesting phenomenon, that goal conflict situation, instead of reducing boundary spanning activities, it increases them but has no impact on resource orchestration. This closely relates to the culture of Indonesia as a nation with high power distance, low individualism, low masculinity, and low indulgence which represent preferences to prioritize workplace harmony, obey supervisors, and be loyal to the workplace.

RETHINKING THE SERVICESCAPES OF NEW GENERATION BANKS: EVIDENCE FROM TÜRKIYE

Retail banking is evolving from functional touchpoints to experiential touchpoints. The role, purpose, size & format, location and density in retail banking is changing especially with the effect of pandemic and changing consumer expectations. The primary aim of the study is to explore the new role and concept of servicescapes in retail banking with an inclusive and participatory approach. The secondary aim is to find out the ideal servicescape dimensions of a retail banking branch and reposition them. Türkiye İş Bankası (TİB), is the chosen brand due to its dedication to establishing a unique identity through the ages. The data is collected through in-depth interviews with 28 employees and 20 customers. Subsequently, idea-generation workshops and branding sessions were conducted. Finally, customer journey mapping for three target profiles were created. The findings demonstrate the proposed modular approach's flexibility and scalability, enabling customization for various locations, sizes and formats. This ensures a consistent and ideal spatial experience across different branches.

An Investigation of the Effect of Service Quality on Customer Satisfaction: A Case of Zanaco Bank

The key to surviving in a global market is to focus on quality of service to customers. Every organization should focus on providing quality service to its customers. ZANACO Bank has implemented several service quality features and systems such as: B. changing the interior design of bank buildings, investing in technologies and bringing services closer to customers through ZANACO express agents, mobile banking and opening new branches. Therefore, the study examined the impact of service quality on customer satisfaction using ZANACO Bank as an example. A survey of 397 customers of ZANACO Bank was conducted at the main branch in Lusaka. The study used descriptive and causal designs. The study analyzed the data by determining frequencies, percentages, and means, and the study used Spearman correlation analysis to determine the effect. The study found that the service quality attributes important to bank customers were prompt customer support, politeness of bank employees, accuracy of bank transactions, security of banking services, customer support, convenient business hours, reliability of banking services and affordability (cost) of services. The study found that banks' responsiveness, accuracy, reliability and empathy have a significant impact on customer satisfaction, while tangible attributes have little or no impact on customer satisfaction. Customer satisfaction had a strong positive effect on customer loyalty, with a correlation coefficient of 0.9264, statistically significant at a p-value of 0.0001. The study therefore recommended that: Banks should focus more on reliability, security, empathy and responsiveness to increase customer satisfaction; Offering incentives such as reducing bank fees; and the use of customer loyalty programs to remain competitive.

E-Banking: Opportunities and Challenges from Customer’s Perspective

Opportunities and Challenges of E-Banking were empirically discussed. A researcher conducted a field investigation to collect the responses from the target audience. In the Technology Era, E-Banking has started to dominate the entire world. The presence of E-Banking can be seen till the tail end of small vicinities. Villagers also use it as it stops them from visiting bank branches. This increases trust as banks use high-end software for their banking system. The study was conducted in different parts of Chennai City. 210 customers were met in different parts of Chennai City. The places of research investigation covered by the researcher are shopping malls, Banks, Colleges, Universities, Business Outlets, and Residential Areas. Furthermore, the researcher used snowball sampling in the research as he collected the references of friends, family members, and colleagues. Descriptive Research Design was used by the researcher.

Social responsibility and its reflection on enhancing banking marketing performance )Analytical study in some branches of commercial banks(

الغرض: يهدف البحث الى تحديد طبيعة علاقة التاثير والارتباط بين المتغير المستقل (المسؤولية الاجتماعية) والمتغير التابع (الاداء التسويقي) وذلك بتحليل اراء عينة من العاملين في بعض المصارف التجارية في محافظة النجف الاشرف . مجتمع وعينة البحث: يتمثل مجتمع البحث بالعاملين في القطاع المصرفي وتم اختيار عينة قصدية تتكون من (120) عاملا في المصارف المبحوثة يمثل معظمهم شاغلي المواقع الادارية العليا والوسطى في بعض فروع المصارف الحكومية المتمثلة بمصرف الرافدين والرشيد والمصرف العراقي للتجارة في محافظة النجف ،والاستبيانات الصالحة للتحليل كانت (107) استبانة. الاداة والاساليب الاحصائية المستخدمة في البحث : تم اعتماد استمارة الاستبيان كاداة لجمع البيانات من العينة المقصودة في المصارف التجارية المبحوثة ،كذلك تم استخدام مجموعة من الاساليب الاحصائية لتحليل البيانات المتحصل عليها بهدف التحقق من صحة الفرضيات ،وباستخدام برامج حاسوبية مثل (SPSS v.23) المساهمة العلمية : جاء البحث الحالي ليسد فجوة معرفية تمثلت بقلة الدراسات العربية والاجنبية التي تناولت العلاقة والتاثير بين متغيرات البحث في مخطط فرضي واحد ،واهمية هذه العلاقة في التميز والتفوق في المصارف عينة البحث . اهم الاستنتاجات: تمتلك المصارف المبحوثة برامج مسؤولية اجتماعية بدرجة متوسطة ،كما وتبين ان الاداء التسويقي المؤشر الاساسي الذي يسهم في استمرار عمل المصرف وبقاؤه في ظل بيئة غير مستقرة ،فالاداء التسويقي يبين للادارة ما اذا كانت اهداف المصرف تسير على وفق الشكل المخطط له .

Economic Empowerment: The Role of Digital Financial Inclusion in Boosting Gross National Income in Upper-Income Countries

The objective of this study is to examine the impact of the digital financial inclusion index on Gross National Income per Capita in upper-income countries. Using the Principal Components Analysis (PCA) method, the study has constructed a digital financial inclusion index with the data collected from the World Development Indicator for the years 2011–2021. Further, utilizing the Generalized Moments of Method (GMM) technique, the findings reveal a significant positive effect of the digital financial inclusion index on income levels, emphasizing the importance of inclusive financial systems for broader economic participation. Additionally, bank branches remain important, highlighting their complementary role alongside digital services. Moreover, savings significantly contribute to economic growth and stability. Lastly, ATMs play a positively significant role in raising economic development and increasing income levels. Policymakers should prioritise initiatives that enhance digital financial inclusion, strengthen traditional banking infrastructure, and encourage savings. Additionally, investments in accessible banking services, such as ATMs, can significantly contribute to advancing economic development and increasing income levels.

The Influence of the Soviet Legal Model on the Law Directing the Establishment and Operation of Vietnam and China's Central Banks

The Soviet legal model significantly influenced the legal stance, operation and organization of central bank branches in China and Vietnam. According to research on the effect of the Soviet legal model on the organization and operations of the Central Bank of China and the Central Bank of Vietnam, the Soviet legal model assisted Vietnam and China in creating major legislative frameworks for the banking sector. However, the legal status of Russian banks has evolved in the direction of being more autonomous and efficient; at the same time, the People's Bank of China branch was also restructured to be more streamlined and efficient. These are the areas in which the State Bank of Vietnam has to improve in order to grow more successfully.

ANALYSIS OF THE INTEGRAL INDEX OF BANK CAPITALIZATION

Adequate capitalization is crucial for ensuring a bank’s financial stability and, by extension, the financial security of the entire country. This importance is especially evident in terms of both the quantity and quality of capital that a bank holds to cushion potential losses. Various indicators and ratios are employed to assess the level of bank capitalization, often subject to regulatory oversight. However, there is currently no standardized methodology for calculating and analyzing this indicator. This article aims to analyze the comprehensive index of bank capitalization levels. The calculation is based on statistical reports from 34 European countries spanning the years 2010 to 2020. The author explores the main direct and indirect factors influencing the level of bank capitalization. Direct indicators include return on equity, capital to assets ratio, and the ratio of regulatory capital to risk-weighted assets. Indirect factors include return on assets, the level of non-performing loans, the number of bank branches, the ratio of expenses to income of banks, and the ratio of bank deposits to GDP.

How does bank branch expansion affect ESG: Evidence from Chinese commercial banks

This research examines the relationship between bank branch expansion and ESG through the lens of geographical proximity. By utilizing panel data from Chinese listed firms during the 2010–2020 period, our results provide robust evidence that bank branch expansion promotes firms to fulfill ESG. Through increased bank competition and reduced distance between banks and enterprises, bank branch expansion contributes to ESG by strengthening financial support and optimizing informational efficiency. Additional analyses reveal that bank branch expansion enhances ESG in firms with financial backgrounds on boards, state-owned enterprises, firms with higher digital transformation and located in a superior legal environment. Overall, these findings reveal the influence of bank branch expansion on the non-financial behavior of firms and provide new empirical evidence for exploring the motivation for ESG.